E-Consent

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

You are submitting a request to be matched with one of our third party financial institution providers. In order to offer you a loan or other financial product, the financial institution providers, such as lenders, need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting The Credit Laboratory LLC (“The Credit Laboratory, “we”, “us”, “our”) the third- party lender and/or financial institution provider directly. The Credit Laboratory, the lenders and/or the financial institution providers will provide paper copies at no charge. The Credit Laboratory, the lenders and/or financial institution providers will retain all Disclosures as applicable law requires. To obtain a paper copy from The Credit Laboratory, please email us at info@thecreditlaboratory.com with your request. In order to obtain a paper copy from a third- party lender and/or financial institution provider, please contact that party directly.

Scope of Consent

This E-Consent applies to all interactions online concerning you, The Credit Laboratory, and the third- party lender and/or the financial institution provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, The Credit Laboratory, the third- party lender and/or the financial institution provider may process your information and interact during all online interactions with you electronically. The Credit Laboratory, the lender and/or the financial institution provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third- party lenders’ and/or financial institution providers’ websites, and may be provided by e-mail. Consenting to Do Business Electronically. Before you decide to do business electronically with The Credit Laboratory, the third- party lenders and/or the financial institution providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or Mac compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128- bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to The Credit Laboratory, the third- party lenders and/or the financial institution providers.

Withdrawing Consent

Your E-Consent for our matching service and for our third- party lenders’ and/or financial institution providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third- party lenders and/or financial institution providers, you are free to withdraw your E-Consent with The Credit Laboratory, those third- party lenders and/or financial institution providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender and/or financial institution provider. Contact The Credit Laboratory the third- party lender and/or financial institution provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep The Credit Laboratory, third- party lenders and/or the financial institution providers informed of any change in your electronic address or mailing address. You may update such information by logging into The Credit Laboratory, the third- party lender’s and/or the financial institution provider’s website or by sending The Credit Laboratory, the lender and/or the financial institution provider a written update by mail.

 

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER AND/OR FINANCIAL INSTITUTION PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD- PARTY LENDERS AND/OR FINANCIAL INSTITUTION PROVIDERS OVER THE INTERNET